Relationship Banker Job Description
Relationship banker
provides financial solutions to clients to help clients’ achieve their goals through broad knowledge of products and services.
Relationship Banker Duties & Responsibilities
To write an effective relationship banker job description, begin by listing detailed duties, responsibilities and expectations. We have included relationship banker job description templates that you can modify and use.
Sample responsibilities for this position include:
Maintains a working knowledge of the complete line of products and services offered
Opens and processes all types of accounts, products, and/or services for clients after consulting with them on their specific needs
Solicits the sale of additional products and services to meet clients' needs
Analyze financial and personal data to develop a comprehensive understanding of customer needs, educate customers on various products and services, explaining key features and benefits to deliver appropriate solutions and close sales
Maintain comprehensive knowledge of products and services to support customer needs
Build long-term relationships with clients, ensuring they use BMO Harris Bank’s products and services for all their banking needs
Is knowledgeable of bank products and services and is proficient at opening and processing new demand and time deposit accounts including passbook accounts, IRAs, certificates of deposit, and money market accounts
Provides additional services as needed, such as, but not limited to, IRA’s opening and maintaining
Able to identify additional products (consumer/commercial credit and cash management)
Provides suitable credit, deposit or other banking services counsel and advice to best meet clients' needs
Relationship Banker Qualifications
Qualifications for a job description may include education, certification, and experience.
Licensing or Certifications for Relationship Banker
List any licenses or certifications required by the position: IRA
Education for Relationship Banker
Typically a job would require a certain level of education.
Employers hiring for the relationship banker job most commonly would prefer for their future employee to have a relevant degree such as High School and Associate Degree in Education, Military, Graduate, Business, Finance, General Education, Business/Administration, Business/Management, Management, Accounting
Skills for Relationship Banker
Desired skills for relationship banker include:
Financial services industry
Products and solutions
Clients’ financial life priorities and connect them to our solutions that meet their financial goals
Products TCF offers
Products
Services
Technology and policies
Banking products
Credit products and services
Personal and small business customer needs and solutions
Desired experience for relationship banker includes:
Completes application process and other required paperwork for new accounts and ensures procedures, processes and compliance measures are met
Provides positive customer satisfaction by assisting with account questions, problems and/or complaints and through research and communication resolves in a timely and effective manner
Performs IRA, Safe Deposit Box functions and maintains safekeeping records
Ability to establish and troubleshoot complex relationships and act as a resource to others
Sells, renews and redeems certificates
Proactively, reaches out to customers through phone calls, scheduled meetings and joint calls and identifies potential prospects and customers to increase customer portfolios
Relationship Banker Examples
1
Relationship Banker Job Description
Job Description Example
Our innovative and growing company is looking for a relationship banker. To join our growing team, please review the list of responsibilities and qualifications.
Responsibilities for relationship banker
- Responsible for opening checking accounts, savings accounts, and provides all other deposit product services at the customer’s request
- Achieve quarterly/annual goals through business generation of C&I, CRE, mortgages, SBA, treasury management, deposits, investments, cross-border, and other commercial and consumer products offered through East West Bank
- Take an active role in educating customers on other banking channels sales and service offerings
- Ensure the customer's needs are met by partnering with the appropriate specialist (branch team, FC, and MLO) to serve the customer's banking, mortgage and investment needs
- Process Transactions/Customer Service
- Uses customer portfolio to gain customer background and uses data to recognize and follow up on existing and future needs
- Solicits cross-sales and opens new accounts according to guidelines
- Effectively utilizes various sales delivery channels in order to achieve goals
- Solicits loan applications, obtains appropriate documentation, follows up and closes loans accurately the first time
- Achieves overall individual deposit, loan unit, dollar, and non-interest income goals
Qualifications for relationship banker
- Minimum 1 year experience in a banking environment required
- Minimum 2 years of basic computer experience
- Must be in good standing under "The Secure and Fair Enforcement for Mortgage Licensing Act of 2008" (Safe Act) and must be registered/licensed with the "Nationwide Mortgage Licensing System and Registry"
- Achieves a minimum customer service score and adheres to the highest level of service standards
- Handles customer queries, special requests and problem resolution
- Handles fund transfers between accounts, overdrafts, stop payments, fee reversals
2
Relationship Banker Job Description
Job Description Example
Our company is hiring for a relationship banker. Please review the list of responsibilities and qualifications. While this is our ideal list, we will consider candidates that do not necessarily have all of the qualifications, but have sufficient experience and talent.
Responsibilities for relationship banker
- Cross sell and refer bank products such as (depository products, wealth management, mortgage) that fit customers’ needs
- Maintain a thorough knowledge of the bank’s deposit, loan and ancillary products and an understanding of the qualifications required
- Engage and partner with team members and other lines of business to offer most appropriate products to customers based on customers’ need
- Responsible to share and recommend the banks full scope of resources with customers, including traditional in branch services, digital capabilities, and business partner resources
- Approves specific check amounts, wire transfers, cashier checks, uncollected funds, and insufficient funds based on credit authority limitations preset by management
- Audits cashier checks and traveler’s checks
- Balances and totals daily transactions when appropriate
- Engage and attend weekly partnership meetings and joint calls with Branch partners
- Identify opportunities to introduce customers to business partners when appropriate
- Responsible for growing the profitability, deepening relationships and retention within existing customer base through outbound initiatives , networking and in-person appointments
Qualifications for relationship banker
- All new hires must be available to attend a 2-week training program, Monday-Friday from 9 a.m.-4 p.m
- All new hires must complete at least a week of mentoring the third week
- Communicates an outgoing and friendly professional demeanor to customers and co-workers alike
- Minimum of 12 months of sales experience, where established goals were met or exceeded, is required
- Scope of Responsibility/ Decision Making
- Identify specific knowledge, skills, and abilities necessary for satisfactory execution of the position’s primary duties & responsibilities
3
Relationship Banker Job Description
Job Description Example
Our company is looking for a relationship banker. If you are looking for an exciting place to work, please take a look at the list of qualifications below.
Responsibilities for relationship banker
- Consistently execute activities and behaviors to meet established sales, cross-sell and referral goals
- Monitor and manage accounts and relationships with new and existing customers
- Maintain operational standards including balancing cash drawers at the end of each shift, processing CTR reports and transactions, and opening and closing procedures of th branch
- Engages customers in needs assessment conversations that transitions to a closing product solution sale
- Creates an excellent customer experience by identifying cross-selling opportunities and refers customers to appropriate line-of-business partners to optimize their financial relationship
- Proactively works with customers and prospects to maintain a consistent deposit and loan pipeline
- Interviews consumer and small business loan applicants to identify loan opportunities
- Knows and follows Branch Operations Standards
- Proactively work existing book of branch clients
- Contributes to the banking center’s overall success by meeting defined targets for both sales and service
Qualifications for relationship banker
- Bilingual in Russian preferred
- Bachelors degree in business, finance or a related field - strongly desired
- Required at least 2+ years commercial lending, credit associated lending and bank sales experience
- Must have good interpersonal, oral and written communication skills needed to create relationships with loan clients
- Requires a Bachelors degree in business, finance or a related field and 2+ years commercial lending, credit associated lending and bank sales experience
- Proven track record in meeting and exceeding sales and service goals and initiatives
4
Relationship Banker Job Description
Job Description Example
Our company is searching for experienced candidates for the position of relationship banker. Thank you in advance for taking a look at the list of responsibilities and qualifications. We look forward to reviewing your resume.
Responsibilities for relationship banker
- Demonstrates in-depth knowledge of the different banking channels and promotes opportunities to introduce clients to these capabilities
- Proactively resolves a variety of moderate to complex customer maintenance and/or client service problems using available resources for problem resolution, including analysis and understanding of information received from other internal departments such as Loan Operations, Deposit Operations, Internal Bank Support, Reconcilement, Risk Management
- Proactively seeks coaching to develop service and sales skills
- Executes all sales, service, and banking transactions accurately and in compliance with bank policies, procedures, and regulatory requirements
- May assist in mentoring and training of new associates
- May serve as back up to the Banking Center Manager or Assistant Manager to oversee daily branch operations such as opening/closing the branch, ensuring adherence to established bank policies and procedures, researching, and resolving customer issues
- Collaborate with Regional Manager and/or Branch Manager to develop and implement customer-centric strategic marketing plans
- Meets and exceeds individual performance sales goals while supporting the goals of the branch
- Proficient at interviewing consumer loan applicants, and may handle small business loan applicants to identify loan opportunities
- Ensure that individual goals are met through required levels of in person and outbound calling activities that provide an opportunity for us to share valued solutions and recommendations via a needs-based philosophy
Qualifications for relationship banker
- All relationship bankers must be certified in the requirements of the role
- Ability to communicate effectively and courteously, and to gain information from individuals/clients
- Ability to follow established standards and use judgment to determine when appropriate to escalate
- Aptitude for consultative selling
- Ability to adhere to company dress code
- Minimum 2 years of new accounts with a strong focus on business development experience required
5
Relationship Banker Job Description
Job Description Example
Our innovative and growing company is looking to fill the role of relationship banker. Please review the list of responsibilities and qualifications. While this is our ideal list, we will consider candidates that do not necessarily have all of the qualifications, but have sufficient experience and talent.
Responsibilities for relationship banker
- Uncover needs and refer customers to a partner centric team that works with small business, corporate and institutional partners, and mortgage and financial advisors
- Maintain a high level of client satisfaction by engaging our customers and ensuring we are providing an optimal customer experience
- NMLS registered or ability to obtain NMLS registration
- 1+ year of previous retail banking experience or 1+ year of equivalent finance, sales or customer service experience
- Proven track record of exceeding goal expectations by exemplifying appropriate behaviors and values
- 1 year of experience in developing current and new customer relationships, achieving sales goals and building referral sources in banking or retail environment with customer service and cash handling experience
Qualifications for relationship banker
- Experience in developing and executing sales strategies, branch marketing and business development
- Understanding of various phases of sales management, including planning, goal setting and selling techniques
- Customizes individual branch plan to meet local market needs
- Bachelor’s degree in business-related major preferred
- Life, Health, Series 6/63 required
- Life, Health, Series 6/63 licenses required